Cholalamandalam MS Car Insurance Plans

Buying a car is the ultimate gift you can give yourself and your family. It not only makes your status rise but provides security while you travel. Purchasing your dream car is not the end of the deal. One must protect the valuable asset from contingencies both physical and financial which is a heavy burden when unprepared.

Car insurance policy is mandatory by law to protect your vehicle and you from unpleasant circumstances that may drain your savings.

Hassle-free and seamless buying and claim process with 24X7 customer-friendly service

Online renewal for your car insurance in quick and easy steps that is time-saving

What is Covered under Cholamandalam Car Insurance

Chola MS car insurance presents you with comprehensive policy plans and a whole range of benefits that are well thought and designed to protect you and your vehicle for unforeseen financial burdens.

Third-party Insurance: This benefit covers all financial liabilities when a third-party person is injured, or there is a loss of life due to an involvement of your insured vehicle. This policy also covers for loss or damage to third-party property.

Own Damage Insurance: Is an optional cover where compensation is extended to the insured in the event of bodily injuries/damage/loss to the vehicle.

Car Insurance Policy Plans under Cholamandalam Car Insurance

Vehicle insurance is a must when you buy a car for personal or commercial use. The main benefit of taking a car insurance policy is that you will always be ready to bear financial contingencies at any time.

Car Insurance Plan – Chola Protect

Chola Protect is a 360° car insurance policy designed to give a complete cover for your vehicle. This is a comprehensive plan that ensures that your vehicle is protected against any unforeseen mishaps. It covers all the legal and financial costs incurred. It offers you instant cashless facility and 24X7 roadside assistance.

Premium: Calculated based on the Insured's Declared Value of the vehicle during application.

Coverage: Vehicle’s Own Damage Cover includes damage or loss due to the following events:

Vehicle’s Own Damage Cover includes damage or loss due to the following events:

Double-benefit policy that offers both Own Damage and Third-Party Cover

Special discount on premium under No Claim Bonus, Automobile Association Membership Discount, and Anti-Theft Devices as accepted by Automobile Research Association of India

Documents Needed when Applying for Chola MS Commercial Car Insurance

Vehicle registration with year of manufacture and Chassis details

Personal identity proof, employment proof with pan card, etc

Fitness certificate issued by a local authority

Chola MS Car Insurance Renewal

Chola MS ‘Renewal on the Go’ feature lets you renew easily through Integrated Voice Response System through their helpline numbers.
Renew car insurance online policy 45 days before the expiry date to prevent late charges. Advantages of ‘Renewal on the Go’

Renew your policy from anywhere from your landline or mobile phone

Details of the payment and policy schedule will be couriered to the address of communication or by email

Special Ad Ons and Discounts provided by HDFC ERGO Car Insurance

Purchasing a car is something very similar to achieving a milestone in an individual’s life. Thus, not only is the car a very important property for us, but also its regular use makes it a part of our own family. A little scratch on the car makes our heart break. We all want the car insurance that we are opting for to provide us with an encompassing cover which in turn gifts us mental peace.

HDFC ERGO car insurance along with the facilities mentioned above intend to provide its customers with a number of Special Ad on and Discounts.

The Special Ad on include

On-site minor repairs of the insured vehicle

Duplicate keys

Locked or lost keys

Battery jump start

Tyre change

Fuel delivery (up to 5litres)

Emptying the fuel tank

Towing

The Discounts that are given by the four-wheeler insurance include:

Age Discount: This particular discount is based on the age of the insured and is described in detail as follows.

If the age of the insured is between 35-45 years, the company offers 5% discount on Own Damage section of the policy.

If the age of the insured is between 46-60 years, the company offers 10% discount on Own Damage section of the policy.

A copy of the Pan Card must be submitted to avail this discount.

In the case of online HDFC ERGO policy, the age proof must be submitted at the time of the claim.

Occupation Discount: The discount corresponds to 5% off on Own Damage section of the policy and is based on the occupation of the insured. This particular discount applies to-

A practising Chartered Accountant

Employee in the defence and paramilitary wings of the Indian armed forces

A teacher in the government approved school or any other institution

Employee working in a State or Central Government concern

Medical practitioners who are recognised by any Government recognised Medical Council

In the case of online policy, a proof of occupation must be submitted at the time of claim.

Claim Process for HDFC ERGO Car Insurance Policy

The procedures to raise a claim on the HDFC ERGO car insurance policy are as follows:

In the case of accident or permanent loss due to theft, call HDFC ERGO’s toll-free number to register the claim.

Next, you will be provided with a unique claim number for future assistance.

In the case of an accident with a vehicle, make sure to make a note of the details of the third party. Also, in the case of third party property or physical damage, report the incident to the nearest police station and file a FIR.